When Carole King wrote the lyrics to “You’ve Got a Friend,” she probably wasn’t thinking about an insurance agent or broker who is concerned about a possible claim by a client.

Worrying is one of the least productive things that we do, after its initial call to action has worn off and it morphs into a dull, recurring dread of a misfortune that may never occur. There are some worrisome moments in an insurance professional’s career:

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